Sources: Banque centrale du Luxembourg, CSSF and provider disclosures, 2024–2025.
How Luxembourg pays
Luxembourg is small, wealthy and card-heavy. Shoppers pay mostly by Visa and Mastercard, debit and credit, and a large cross-border workforce from France, Belgium and Germany brings their home cards with them. Payconiq, the mobile payment app that began in Luxembourg, is the local way to pay by phone in shops and online, alongside Apple Pay, Google Pay and PayPal.
Luxembourg also matters beyond its own shoppers: many payment and e-money institutions serving the whole EU are licensed by the CSSF and passport their services from here. For an enterprise merchant, the value is optimization: routing across acquirers to protect approvals, frictionless 3DS under PSD2 strong customer authentication, and retries when an issuer declines, all behind one integration, in euros.
Why merchants run on us here
Card-first checkout
Visa and Mastercard, local and cross-border, carry Luxembourg checkout, so approvals are where the value is.
Frictionless 3DS under PSD2
Strong customer authentication applied with exemptions where allowed, protecting both compliance and conversion.
Payconiq and the wallets
Payconiq is how Luxembourg pays by phone, alongside Apple Pay, Google Pay and PayPal.
One integration, euro settlement
Cards, wallets and PayPal behind one integration, in euros, with French- and German-language checkout.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Luxembourg
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Luxembourg like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Luxembourg through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Luxembourg?
Talk to our payments team about going live in Luxembourg — coverage, local acquiring, settlement and timelines for your business.